Recently, the Guangdong Provincial Medical Insurance Bureau issued the "Notice on Further Doing a Good Job in The Work Related to the Participation of Flexible Employment Personnel in Our Province in the Basic Medical Insurance of Employees", which has attracted the attention of many friends, and everyone has also raised some questions.
Flexible employment personnel such as individual industrial and commercial households without employees and employees of new employment forms can participate in urban and rural residents' medical insurance, and can also participate in employee medical insurance as flexible employment personnel. So what's the difference between the two?
Here we need to understand that basic medical insurance is divided into two types: employee medical insurance and urban and rural residents' medical insurance.
Employee medical insurance is paid once a month, and the cost is paid by the insured, that is, the employee and the unit, and is generally paid directly by the unit. If it is a flexible employment person participating in the employee medical insurance, the cost needs to be paid by the insured person himself.
The medical insurance for urban and rural residents is paid once a year, and the guarantee is guaranteed for one year. The 2022 annual collection period has ended on December 31, 2021, and the individual payment standard is 320 yuan per person.
It can also be seen from the payment methods and frequency that the medical insurance treatment enjoyed by flexible employees participating in employee medical insurance is definitely higher than that of urban and rural residents.
So how much do flexible employees need to pay every month to participate in employee medical insurance? The payment base and rate of flexible employment personnel participating in employee medical insurance shall be implemented in accordance with the policies of each municipality, and shall be gradually adjusted in accordance with the relevant provisions of the list of medical security benefits in Guangdong Province.
In addition, it should be noted that flexible employees do not need to pay maternity insurance premiums to participate in employee medical insurance, which is clearly stipulated in the Provisions on Maternity Insurance for Employees in Guangdong Province, which came into effect on October 1, 2021.
Although there is no need to pay fees, flexible employment personnel can enjoy the treatment of maternity medical expenses in accordance with the regulations, but do not enjoy the maternity allowance, and the start and end time of enjoying the treatment of maternity medical expenses is consistent with the time of enjoying the basic medical insurance treatment of employees.
At present, it is very convenient for flexible employment personnel to participate in insurance, and they can participate in employee medical insurance at the place of household registration with their valid identity documents, or handle them at the tax department of the place of employment with their valid identity documents and employment registration certificates in our province.
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